Business Property Insurance


 Protection for Your Commercial Property

Most standard Business Property Insurance policies come with the following coverages for:

  • installed machinery and building glass
  • buildings, including additions under construction, permanently installed machinery and building glass
  • sales samples
  • business personal property
  • leased business personal property used in your business

Your business personal property does not stay in one place and neither does your coverage. A Business Property Insurance policy covers your business personal property while in transit, at trade shows, or temporarily at locations you don’t own or lease.

After a covered loss, your policy may pay for extra costs of:

  • securing appraisals
  • cleaning up pollutants from land and water on your premises
  • taking inventory and preparing claims statements
  • recharging fire extinguishers
  • removing debris of covered property from your premises

A property loss can slow down or even stop your operation until repairs are made – and that may mean lost income. A Business Property Insurance policy can provide you with several business income coverages that can reimburse your loss of income and necessary extra expenses to keep your business operating after a covered loss.

Options to Suit Your Needs


  • Utility services – provides coverage when a covered loss to a power, communication or water utility interrupts service to your premises, which then causes a covered loss to your building, business personal property or loss of income.
  • Inflation guard coverage – provides coverage for inflationary increases in your building and business personal property values. The limit of insurance on your policy automatically increases at an annual percentage rate you choose.
  • Ordinance or Law Coverage – provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes after a covered loss.
  • Equipment breakdown coverage – provides coverage for loss resulting from the sudden and accidental breakdown of machinery and equipment used in your business.


We will provide a risk assessment, custom build a Business Property Insurance program that meets your needs, and shop the companies to get the best value for you. Give us a call, request an email quote, or visit us to get the best insurance protection and services for your company.

Insurance & Financial Services, Inc. is a full service Virginia Independent Insurance Agency that represents many top-rated companies. We assess risks and shop companies to find the best Virginia Business Insurance coverage for the price. Our clients get the best value for the Virginia Commercial insurance they need.

Here are a few companies we represent: Aetna, American Modern, Anthem Blue Cross Blue Shield, BTIS, Cigna, CNA, Dairyland, Foremost, Gainsco, Grange, Liberty Mutual, Main Street America Group, Mercury, National General, Progressive, Starr Dovetail, State Auto, Stillwater, Tapco, and Travelers.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and Virginia Commercial Insurance quote. Let us do the research and find you the best value for the Virginia Business Insurance your business needs.

Virginia Commercial Insurance for Different Business Types

On the right sidebar of this page, we have included links to a number of Virginia business insurance resources. Click on any of the different business types to learn more about the Virginia commercial insurance coverages for that type of business. Please call one of our Virginia commercial insurance agents at Insurance & Financial Services for any assistance.

Amy Spencer


Amy Spencer started her career in the insurance industry in March 2006 as a customer service representative for Insurance & Financial Services, Inc. She learned the business from the ground up and in September 2006 she decided to move forward with obtaining her Property & Casualty license. Amy has 11 years of experience starting in commercial truck and freight broker insurance. While she continues to serve her clients she also offers personal auto, home, renters, and small business insurance. Amy prides herself with customer service and making sure her clients have the coverage they need.

Amy was born and raised in Chesterfield County. In her free time, she enjoys spending time on the softball field watching and coaching her daughter as well as vacations at the family home at Lake Gaston, NC with her husband, Curtis, and their children Curtis Jr. (wife Breanda), Cameron, Ciara, Andrew, and Theresa.